Call reports 2008
AMERICAN BANK & TRUST COMPANY INC. — 2008
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 189,790,000 | 201,129,000 | 213,599,000 | 208,989,000 |
| Total loans | 159,573,000 | 166,681,000 | 178,855,000 | 181,311,000 |
| Allowance for loan losses | 1,850,000 | 1,874,000 | 1,945,000 | 2,092,000 |
| Securities available for sale | 21,112,000 | 23,423,000 | 23,880,000 | 15,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,390,000 | 166,320,000 | 174,226,000 | 170,479,000 |
| Interest-bearing deposits | 136,173,000 | 149,558,000 | 155,716,000 | 151,228,000 |
| Noninterest-bearing deposits | 17,217,000 | 16,762,000 | 18,510,000 | 19,251,000 |
| Equity capital | 15,247,000 | 15,219,000 | 15,543,000 | 15,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,243,000 | 6,394,000 | 9,695,000 | 12,917,000 |
| Interest expense | 1,558,000 | 3,044,000 | 4,537,000 | 5,927,000 |
| Net interest income | 1,685,000 | 3,350,000 | 5,158,000 | 6,990,000 |
| Noninterest income | 274,000 | 529,000 | 784,000 | 1,118,000 |
| Noninterest expense | 1,332,000 | 2,710,000 | 4,055,000 | 5,417,000 |
| Provision for loan losses | 224,000 | 276,000 | 452,000 | 637,000 |
| Pretax income | 411,000 | 902,000 | 1,466,000 | 2,136,000 |
| Income tax | 130,000 | 287,000 | 471,000 | 1,256,000 |
| Net income | 281,000 | 615,000 | 995,000 | 880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,162,000 | 15,374,000 | 15,693,000 | 15,550,000 |
| Total capital | 17,012,000 | 17,248,000 | 17,638,000 | 17,625,000 |
| Risk-weighted assets | 150,389,000 | 155,629,000 | 165,454,000 | 166,008,000 |